The key to process improvement is to clearly communicate process definitions (the way in which the company wants the processes to be carried out) to the people in charge of their execution (through training, process descriptions publication, etc...). The better process participants understand the process definition, the higher the probability that the process is carried out according to it. They are better implemented through obtaining buy_in than through imposing directives.
Another tip would be to look in to a so called tax_sheltered plan, these plans are also called 401(k) plans and most times are offered by your employer. It would be wise to join such a program and put as much money as you could possible afford in it. your employer is allowed to put extra money on top of the portion you put in, they will get a tax deduction for this as well so everybody is happy with this type of plan. A final tip could be to give some thought towards investing you money, the way you save is at least as important s how much you save. No matter how much you save just be aware that you need to put something aside if you want to enjoy the golden days with the same, or even more, joy as you did your working life.